Own the machine you love, today

Novuna Personal Finance is a trading style of Mitsubishi HC Capital UK PLC, one of the UK's leading retail finance providers. You can read more about their retail finance offering at novunapersonalfinance.co.uk/retail-finance.

Simply select the finance option on the checkout page, or let one of our team know if you are buying in our Redruth shop.

To apply for online finance you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a UK resident a permanent UK resident, able to provide your UK address history for the last 3 years. Unfortunately we can't offer online finance to residents of the Republic of Ireland. Homemakers are not excluded from applying in their own name; however the employment details of your spouse or partner will be required to process the application.

For most finance agreements your monthly repayments begin one month after your purchase is delivered. If you choose Buy Now Pay Later, repayments begin once your deferral period ends - the 6, 9 or 12 months you selected when making the application.

No. There are no arrangement fees or hidden extras.

Applying for online finance is straightforward and only takes a few minutes. Add your machine to the basket, select the finance option at checkout, and complete the online application form. The process is simple and secure, and you will receive an instant decision in most cases. Once approved, you will be guided through how to e-sign your finance agreement and you will receive a confirmation email. Please read the agreement carefully to check that all the details are correct before signing.

Within minutes of approval you will be able to e-sign your finance agreement online. A PDF of the agreement will be displayed on screen — please read it carefully before clicking through the relevant sections to agree to its terms. Once you have signed, The Sewing Studio will be notified and your order will be processed and despatched shortly after.

Yes. For interest-free credit you can overpay or settle early at any time with no penalty. For interest-bearing plans, settling early will reduce the total interest you pay.

Yes. Credit scoring is the process used by financial services companies to evaluate credit risk. It works by awarding points based on information you provide on the application form — such as age, income and occupation — together with information from credit reference agencies. This allows consistent and fair decisions to be made. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

Novuna is unable to provide a specific reason for declining an application, but decisions are usually based on one or a combination of the following: your credit score (every lender scores differently); adverse information held by credit reference agencies; being considered overcommitted; being under 18; or existing account performance with other lenders. We suggest waiting at least 6 months before reapplying. Feel free to call us on 01209 216 942 in the meantime and we will do our best to help.

Send a request to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

Experian: Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
Equifax: Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
TransUnion: Consumer Services, PO Box 491, Leeds, LS3 1WZ
InfactSystems Limited: 2-7 Clerkenwell Green, London, EC1R 0DE

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Novuna will carry out a credit search as part of the application, which may leave a footprint on your credit file.

In order to safeguard against fraudulent applications, delivery can only be made to the home address of the applicant.

Absolutely. Just let our team know when you visit our Redruth shop and they will take you through the options. Give us a call on 01209 216 942 if you would like to chat before visiting.

Please contact us at sales@thesewingstudio.co.uk or write to The Sewing Studio, 10 Chapel Street, Redruth, Cornwall, TR15 2DB. We will aim to resolve things within 3 working days. If you remain unhappy, you can contact Novuna directly or refer your complaint to the Financial Ombudsman Service (FOS) free of charge at financial-ombudsman.org.uk or 0800 023 4567.

Your order total is split into three equal payments. The first at purchase, the second 30 days later and the third after 60 days — automatically, with no interest or fees when paid on time.

You place your order today and Klarna gives you up to 30 days to pay the full amount. No interest and no fees as long as you pay within the 30-day window.

No. Approval is subject to Klarna's review of your details and financial circumstances at the point of checkout.

Late or missed payments may incur fees and could negatively affect your credit status and ability to use Klarna in the future. We always recommend only using buy now pay later if you are confident you can make the repayments.

Through the Klarna app or by logging in at klarna.com. You will also receive email reminders before each payment is due.

Klarna's Pay in 3 and Pay in 30 Days are currently unregulated credit agreements. 18+, UK residents only. T&Cs and late fees apply. See klarna.com/uk/terms-and-conditions. Klarna's BNPL products are expected to come under FCA regulation from July 2026.

Your order is split into four equal interest-free payments. The first at checkout, then three more every 30 days. Available on orders over £99.

Yes, you will need a PayPal account. Signing up is free at paypal.com.

Yes, as long as you pay all four instalments on time. Any balance remaining after the offer period or on orders under £99 will be charged at your standard PayPal variable rate.

UK resident, aged 18+, employed with income over £7,500/year, good credit history, and not recently declared bankrupt. Credit is subject to status and affordability.

Full details and FAQs are at paypal.com/uk.